Senior Credit Risk Analyst

• Portfolio analysis and performance monitoring
• Analyse portfolio trends, drivers, emerging risks, and opportunities across the credit lifecycle
• Identify performance shifts and translate findings into clear, actionable recommendations
• Provide analytical support to credit strategy development through segmentation analysis, decisioning performance review, and impact modelling
• Support the design and testing of rule changes and policy adjustments
• Use data and analytical tools to uncover meaningful patterns, validate business hypotheses, and quantify the impact of credit decisions on portfolio outcomes
• Use advanced analytics, data tools, and modern platforms to improve portfolio understanding and identify opportunities to enhance credit strategies and processes
• Partner with business, technology, operations, and risk teams to provide analytical support for credit decisions

Requirements

• Experience in credit risk, banking, or another analytics-led decision environment where you have supported analytical or portfolio analysis work
• Strong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform action
• Skills in SQL, Python, SAS, Excel, Tableau, or similar tools used for analysis
• Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite, and business performance
• Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
• Working knowledge of core portfolio metrics such as losses, recoveries, provisions, and return outcomes
• Strong problem-solving, structured thinking, and analytical reasoning skills
• Experience communicating analytical findings clearly to business and risk stakeholders
• A curious mindset and willingness to keep learning and improving
• A tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience

Core Competencies

Demonstrates strong analytical capabilities in credit risk analysis, utilizing SQL, Python, and Tableau to derive actionable insights and support credit strategy development. Possesses a solid understanding of Australian retail credit portfolios and core portfolio metrics, effectively communicating findings to stakeholders.

Highest-signal resume keywords

• Credit Risk Analysis
• SQL
• Python
• Tableau
• Portfolio Performance Monitoring

Hard Skills

• Analytical Capability
• Data Interpretation
• Segmentation Analysis
• Impact Modelling
• Performance Review

Soft Skills

• Problem-Solving
• Structured Thinking
• Analytical Reasoning
• Curiosity
• Communication

Certifications & Qualifications

• Tertiary Qualification in Quantitative Discipline

Industry Keywords

• Australian Retail Credit Portfolios
• Performance Drivers
• Risk Landscape
• Portfolio Metrics
• Credit Decisions

Tools & Technologies

• SAS
• Excel
• Data Tools
• Modern Platforms